--- title: North Carolina Small Business Insurance | Freedom Insurance in North Carolina description: Business insurance is something every company can use and should have. Freedom Insurance Group, Inc has the answers you need about business insurance Serving Morganton, and all of North Carolina. --- # Small Business Insurance ## from Freedom Insurance * * * ## Small Business Insurance Did you know a large percentage of small businesses in the United States wind up closing because of damage to their office space or business equipment, as a result of storms or weather-related incidents? If these businesses had had the proper small business insurance, their policies would have reimbursed them for that damage and let them get back into business relatively quickly. We offer custom-made small business insurance policies for all types of enterprises. We give you extra protection against common emergencies that would otherwise force you to close your doors. What types of incidents are covered by small business insurance? - Theft of equipment, tools, documents, or other items needed to conduct business - Damage or theft of business vehicles - Damage to office buildings and warehouses - Vandalism - Employee injury or death - Liability settlements and legal fees To offer you the best protection against financial loss or closure, our agents will ask you details about your business to find the perfect policy for you. Some of the factors that affect small business policies include your location, the size of your business and your payroll, the inherent risk in your business, fleet vehicles owned by your business, and other valuable property that you may want to insure. We will also inquire about past insurance claims and safety measures you have in place, such as workplace training programs, to get you the most economical policy. We can talk to you about umbrella coverage for additional liability, as well as location-related coverage like flood or earthquake insurance. Our goal is to give you the best deal on small business insurance available while still making sure you have the coverage you need. We also want to make sure that you are in compliance with any state or municipal laws regarding workers compensation. Feel free to give Freedom Insurance Group, Inc a call at 828-432-0001 to talk about your business and how we might provide better coverage, or get in touch online. Don't forget that your employees are depending on you for their livelihoods. And if you've worked hard to build your business, you don't want to let anything get between you and the path to success. * * * ## Insurance Quotes Give us some info and we'll help you find the best coverage options. [Request a Quote](/business-insurance/quote) ## Insurance Partners [Aegis Insurance — Allstate — American Integrity Insurance Co — American Modern — AmTrust Financial — BiBerk Insurance company — Canal Insurance — Chubb — Dairyland Insurance — Discovery Insurance — Farmers — Foremost Insurance — Frank Winston Crum Insurance — Hagerty — Heritage Insurance — Hiscox — Hiscox Insurance — Homeowners of America Insurance company — Liberty Mutual — National General Insurance — Nationwide — NC Grange Mutual Insurance — Orion 180 — Philadelphia Insurance — Progressive — The General Insurance — The Hartford — Travelers — Universal Property & Casualty Insurance — Utica National Insurance — Zurich](/insurance-companies) ## Start Your Small Business Insurance Quote Freedom Insurance strives to offer you quality insurance coverage, a high level of professional service and a long-term relationship. As independent insurance agents in North Carolina, we’ll research rates and coverage from top insurance companies to find the best insurance rates and insurance plans for you. We do the insurance shopping and comparing for you to save you time and money on your small business insurance. * * * ### Want to talk to an agent first? **Call us - we love talking about insurance!** [Contact Our Office](/contact) (A form appears here on the HTML version of this page.) ## From Our Blog [View More Articles](/blog) [**Custom Parts And Equipment Coverage: What It Is And Why It Matters** — Custom parts and equipment coverage helps protect aftermarket upgrades, modifications, and added accessories that may not be fully covered under a standard auto, motorcycle, or specialty vehicle policy. It matters because many vehicle owners invest far more into custom wheels, stereo systems, lifts… — Apr 27](/blog/2026/custom-parts-and-equipment-coverage-what-it-is-and-why-it-matters) [**Boat Insurance Coverage Gaps Every Boater Should Understand** — Boat insurance can provide important protection for physical damage, liability, and certain on-water risks, but many policies still have exclusions, limits, and gaps that boat owners do not notice until a claim happens. The most common problems usually involve navigation limits, uninsured boaters,… — Apr 27](/blog/2026/boat-insurance-coverage-gaps-every-boater-should-understand) [**How Lease Agreements Impact Your Insurance Responsibilities** — Leasing a commercial space is a common step for many businesses, but the terms of a lease often include more than just rent and duration. Lease agreements frequently outline specific insurance responsibilities that both tenants and property owners are expected to meet. Understanding how these… — Apr 22](/blog/2026/how-lease-agreements-impact-your-insurance-responsibilities) ```json {"@context":"https://schema.org","@graph":[{"@type":"Service","@id":"https://www.freedominsurancenc.com/business-insurance/small-business-insurance#service","url":"https://www.freedominsurancenc.com/business-insurance/small-business-insurance","name":"Small Business Insurance","serviceType":"Small Business Insurance","description":"Small Business Insurance quotes from multiple insurance companies in North Carolina.","provider":{"@id":"https://www.freedominsurancenc.com/#organization"},"areaServed":[{"@type":"State","name":"North Carolina"},{"@type":"City","name":"Morganton","address":{"@type":"PostalAddress","addressLocality":"Morganton","addressRegion":"North Carolina"}},{"@type":"City","name":"Lenoir","address":{"@type":"PostalAddress","addressLocality":"Lenoir","addressRegion":"North Carolina"}},{"@type":"City","name":"Hickory","address":{"@type":"PostalAddress","addressLocality":"Hickory","addressRegion":"North Carolina"}}],"image":{"@type":"ImageObject","@id":"https://www.freedominsurancenc.com/business-insurance/small-business-insurance#image","url":"https://webtricity-assets-1.wbtcdn.com/images/s/andrew-neel-qlqnalpe0ra-unsplash-1170x780.5d7f30d5053186c7fff6df7ce76ecefc6cc2a60bf6eb1e68c211279222c1ed9a.jpg","width":1170,"height":780}},{"@type":"Organization","@id":"https://www.freedominsurancenc.com/#organization","url":"https://www.freedominsurancenc.com/","name":"Freedom Insurance"},{"@type":"WebPage","@id":"https://www.freedominsurancenc.com/#webpage","url":"https://www.freedominsurancenc.com/","name":"North Carolina Small Business Insurance | Freedom Insurance in North Carolina","description":"Business insurance is something every company can use and should have. 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